“I lost all of my belongings in an apartment fire last year. RentalInsurance.org got me a cheap plan that covered all my stuff. I never have to worry about losing my things again!”

Veronica, New York

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Florida Renters Insurance

Homeowners are provided with all types of insurance for their home and property, and now renters insurance is available throughout the state, which is very similar to homeowners insurance. Florida renters, whether you are in a condo, mobile home, apartment or house, your personal possessions are important to you and your family. Insurance takes a proverbial weight off the shoulders of millions of renters across the state who want security for the contents of their home.

Currently, most renters in Florida do not have renters insurance for a number of reasons. Renters insurance has not been widely promoted because insurance companies could not make it affordable. The National Association of Insurance Commissioners states, insurance carriers offer a wide range of rental insurance policies at a national average of $15 a month. Getting a quote has never been easier. Simply enter your zip code and provide some basic information to get quotes directly from agents in your area. Having coverage now will save you from disaster later!

The area you live in plays an important role in the cost and type of insurance you need. If you live in the high crime side of town or in a hurricane prone area, it is critical to protect the contents of your home from a disaster. Image your rental home gets flooded due to a hurricane. Would you be able to afford replacing your belongings? If a visitor injures themselves on your property, certainly you would want a renter insurance policy to cover the medical expenses and protect yourself against a lawsuit. Having the proper policy will ensure you are completely protected.

In order to be prepared when purchasing renters insurance, take an inventory of your possessions. With pen and paper in hand, make a list of everything in your home, condo or apartment. Estimate clothing at an average price in today’s market. You do not have to itemize. Next, apply a dollar amount to your furniture and price all items collectively, unless you own some at extraordinary worth, then itemize those separately. Arrive at an average cost for kitchen accessories, with separate prices on appliances. Finally, be specific on artwork, jewelry, and any other valuables, and take pictures of everything. A basic renters insurance policy will not cover expensive jewelry or artwork. Discuss additional coverage for those items with your agent. If you have saved receipts, keep those and your inventory together. Now that you know what you actually possess and its worth, you are better able to obtain the right coverage. Get quotes from agents in your Florida city whether that be Orlando, Gainesville or Coral Springs.